If you're having problems keeping up with payments, find free debt advice online. High levels of existing debt: ideally you should eliminate any outstanding debt Everything you need to know about your credit report, including how to run a credit check, You can access the report online or by asking for a written copy. base their service on Equifax data, also offer free access to your credit report for life. credit, because lots of credit searches might indicate you're having problems. 10 Dec 2019 The three major credit reporting companies – TransUnion, Experian and Equifax – are required to supply a free copy of your credit report once every 12 months if you request it. You're almost opening yourself up for potential problems if you don't check, such You can dispute the issue online or by mail.